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The Three C's - Coffee, Clothes & Credit Cards

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Comments

  • a beach walk is far better than a weight loss jab. Will help your mental health as well as physical.  I know you live down south, is the beach in question L-O-S by any chance? 
    My pass covers both L-O-S and nearby S-B which is one I tend to use as I like walking it's golden mile. It also includes the country park between them both as well which I live round corner from. 
    You must live quite near my dad. He is in L-O-S.  I used to love living on that coast. I do miss the sea since I moved to the Midlands. I went to the big school by SB when it was a grammar school, back in the day. Was such a lovely location. 
    I am very lucky to live so close to the sea and it's something i definitely take for granted. Shame about house prices down here though! 
    Yes, that's one reason we wouldn't move back down there. 
    I only got on the property ladder because of my inheritance after my mum died. I often look at moving but it just seems so unaffordable now. 
    *Dad loan - £5300 - £7000
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £720
    *Total debt - £7720/£11641.17*


    Savings
    *Sinking Fund - £1580/£2500
    *Emergency Fund - £1000/£1000


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • TallGirl said:
    Sorry to hear the injections are giving you so bad side effects but great you have lost so much. Must be a great boost and make you want to continue as you say with the walks, gym etc. I think you live very near me if I can work the acronyms out it is a lovely area but expensive for sure. Well done on clearing all the cards great start to 2025. 
    Thanks its definitely helped me be motivated and I know regular beach walks will help even more. Going back to the gym is another matter entirely but I also know once I do my walking and get fitter it becomes easier to motivate myself. One of those circles isn't it really. The more weight I lose the easier everything becomes. 

    Haha there isn't many beaches with the acronyms L-O-S! 
    *Dad loan - £5300 - £7000
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £720
    *Total debt - £7720/£11641.17*


    Savings
    *Sinking Fund - £1580/£2500
    *Emergency Fund - £1000/£1000


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Blackcats
    Blackcats Posts: 4,150 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    "Haha there isn't many beaches with the acronyms L-O-S!"

    @Sarahwithlove  - well I'm confused now because I can only get a seaside place in Essex with those initials and I had assumed that you and your footie team are based in Hampshire.  Anyway beach walks sound like a great idea.


  • Blackcats said:
    "Haha there isn't many beaches with the acronyms L-O-S!"

    @Sarahwithlove  - well I'm confused now because I can only get a seaside place in Essex with those initials and I had assumed that you and your footie team are based in Hampshire.  Anyway beach walks sound like a great idea.


    I am, i suppose the actual name would be L-o-t-S haha but us lazy locals drop the T 
    *Dad loan - £5300 - £7000
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £720
    *Total debt - £7720/£11641.17*


    Savings
    *Sinking Fund - £1580/£2500
    *Emergency Fund - £1000/£1000


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Blackcats
    Blackcats Posts: 4,150 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Got it!  I won't be getting a job code breaking any time soon 😉
  • LOL....yes we never call it L-O t-S....lol.  In fact to us it is always just L
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £27,644....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  

    Challenges

    EF #68  £950/£3000
    .

    Studies/surveys  December £75.87

    Decluttering items 1395/
    2025
    Books read    22
    Jigsaws done  18

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Not much happening here. Went to the office yesterday so that was train and car parking costs out of my travel fund £17. Went to Mr T this morning as ran out of milk and fruit, spent £12.17. Only had £12 in my budget for this week so had to move a whole 17p from my buffer. 

    New week starts tomorrow for me, nails are being done £15, lunch out £15, evening out £10. Or at least that's what I'm budgeting anyway. I'm designated driver for evening out tomorrow so hoping the people I'm giving lifts to will buy me a drink. Would then be able to have a cheap night out and not use the full £10. I'm also going out for lunch on Sunday for Christmas meal with my bestie and her family. But that will come out of my Xmas buffer. I gave myself an extra £50 spending money this month for that sort of thing. 
    *Dad loan - £5300 - £7000
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £720
    *Total debt - £7720/£11641.17*


    Savings
    *Sinking Fund - £1580/£2500
    *Emergency Fund - £1000/£1000


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • misstara
    misstara Posts: 4,073 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Good idea to have a xmas buffer for social stuff.  Enjoy your meals and evening out.
    Mortgage 26.4.25 - £108,500  1.10.25 - £104,960.46
    Mortgage overpayments so far - £876.94
    Debt 16.11.25 - £5160  27.11.25 - £5060 (1.9% paid)
  • Definitely worth the Christmas buffer. I've done the same thing after years and years of the money running out in December... who would have thought planning ahead would help!
  • Definitely worth the Christmas buffer. I've done the same thing after years and years of the money running out in December... who would have thought planning ahead would help!
    I think the issue is something always comes up that you hadn't planned for! 
    *Dad loan - £5300 - £7000
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £720
    *Total debt - £7720/£11641.17*


    Savings
    *Sinking Fund - £1580/£2500
    *Emergency Fund - £1000/£1000


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
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